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Premium Savings
Rates as high as
3.75
% APY*
Earn More Just for Banking Smarter
Your savings deserves more than an average return. With Monterra Credit Union’s Premium Savings Account, you can earn up to 3.75% APY* by pairing everyday banking habits with a high-yield savings account designed to help your money grow faster. No complicated steps. No unnecessary juggling. Just smart saving that rewards what you already do.
Get started today
No monthly maintenance fee
Earn a highly competitive rate and watch your balance grow
Fast access to your cash in case of an emergency
Easily manage your account using digital banking
Easy-to-use tools that let you move money between accounts
Accounts are NCUA insured up to $250,000
How Premium Savings Works
When you meet three (3) simple monthly habits using your Monterra CU checking account, you unlock our Premium Savings bonus APY:- Make ten (10) or more debit card and/or credit card purchases1
- Receive at least one direct or payroll deposit or ACH transfer
- Choose eStatements for easy, paper-free access
Double the Growth with Premium Checking
Want to earn even more from your everyday banking? Add or upgrade to Premium Checking and earn 3.50%APY on your checking balance, too. Together, Premium Checking and Premium Savings help your money work harder, whether you are saving for a goal or managing daily expenses.Why Premium Savings Makes Sense
- High-yield savings with competitive rates
- Simple monthly habits with no complicated rules
- Federally insured by the NCUA
- Backed by a local, member-owned credit union you can trust
Start Earning More Today
Open a Premium Savings Account or upgrade your checking to start turning everyday banking into real savings growth.*APY=Annual Percentage Yield. Rate effective 7/1/2026. Offer is subject to change without notice. In order to qualify for the Premium Savings Account bonus APY, a checking account type (excluding Business Accounts), is required within the same membership account. The Premium Savings Account is designated as a variable rate account with two (2) APY rates associated with this account: the base (lower) APY and the bonus (higher) APY. Dividends are compounded and credited monthly.
1. The bonus (higher) APY is paid on average daily balances if the following three (3) monthly (statement cycle) requirements are met. 1) Make ten (10) or more card purchases using either the debit card(s) linked to a checking account type and/or a credit card under the same membership as the Premium Savings account; and 2) Minimum of one (1) direct deposit, payroll deposit, or external ACH transferred into your checking account type; and 3) elect to receive eStatements in lieu of monthly paper statements. If requirements are not met, the base (lower) APY will be applied. For rate information visit monterra.org/rates. Offer and rates subject to change. Conditions and restrictions apply.
1. The bonus (higher) APY is paid on average daily balances if the following three (3) monthly (statement cycle) requirements are met. 1) Make ten (10) or more card purchases using either the debit card(s) linked to a checking account type and/or a credit card under the same membership as the Premium Savings account; and 2) Minimum of one (1) direct deposit, payroll deposit, or external ACH transferred into your checking account type; and 3) elect to receive eStatements in lieu of monthly paper statements. If requirements are not met, the base (lower) APY will be applied. For rate information visit monterra.org/rates. Offer and rates subject to change. Conditions and restrictions apply.
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